Site Terms & Conditions

Last Updated: February 6th, 2025

These Terms & Conditions (“Terms”) of Credit Corp Solutions Inc. (“Credit Corp”, “we”, “us”, “our”) apply to all contents, materials and information available within our website located at www.creditcorponline.com, including your use of our payment portal (the “Portal”) made available through our website (collectively, the “Site”).  You agree, on behalf of yourself and the institution/company or other legal entity that you represent, to be legally bound by these Terms when you access or use the Site.

PLEASE REVIEW THESE TERMS CAREFULLY. BY ACCESSING OR USING THE SITE, YOU ACKNOWLEDGE THAT YOU ARE AT LEAST 18 YEARS OLD AND ACCEPT THE TERMS SET FORTH HEREIN. IF YOU ARE NOT AT LEAST 18 YEARS OLD OR DO NOT ACCEPT SUCH TERMS, YOU MAY NOT ACCESS THE SITE.

BINDING ARBITRATION

THESE TERMS CONTAIN PROVISIONS THAT GOVERN HOW CLAIMS YOU AND CREDIT CORP MAY HAVE AGAINST EACH OTHER WITH RESPECT TO YOUR USE OF THE SITE CAN BE BROUGHT. THESE PROVISIONS WILL, WITH LIMITED EXCEPTION, REQUIRE YOU TO SUBMIT CLAIMS YOU HAVE AGAINST CREDIT CORP TO BINDING AND FINAL ARBITRATION ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. PLEASE REVIEW SECTION 11 FOR THE DETAILS REGARDING YOUR AGREEMENT TO ARBITRATE ANY DISPUTES WITH CREDIT CORP.

  1. Copyright in the Site and all information, files, documents, text, photographs, images, audio, video and any material made available on the Site (“Content”) is owned by Credit Corp. Copyright Credit Corp Solutions Inc 2025 or its licensors as applicable. All rights reserved. No Content may be copied, published, used, reproduced, altered or further distributed without Credit Corp’s prior written permission. Credit Corp grants you a limited license to access and make personal use of the Site subject to these Terms. The Site and any part of it may not be reproduced, copied, framed or otherwise exploited for any commercial purpose without the express prior written consent of Credit Corp.

  2. All trade names, trademarks, service marks, logos and trade styles on the Site are owned by Credit Corp or its licensors as applicable. Proper use is limited to use in connection with the products and services of the mark owner and no other use is permitted without the owner’s prior written permission.

  3. Credit Corp may collect and store personally identifiable information about persons who visit the Site. Please review our Privacy Policy (“Privacy Policy”) and our Supplemental State Privacy Notice which also applies to your use of the Site.

  4. You may register an account on the Site. You agree that the information you provide to us during the registration process and at all other times when you use the Site is accurate, current, and complete, and that you will keep it up-to-date at all times. If you provide any information that is, or that Credit Corp has reasonable grounds to suspect is, untrue, inaccurate, not current, or incomplete, Credit Corp has the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof).

    You are the sole authorized user of any account you create through the Site and are solely and fully responsible for all activities that occur under your account. You may not authorize others to use your accountholder status, and you may not assign or otherwise transfer your account to any other person or entity. If you have reason to believe that your account is no longer secure, you must immediately notify us by contacting us at info@creditcorponline.com. Credit Corp will not be liable for losses, damages, liability, expenses, and fees incurred by Credit Corp or a third party arising from someone else using your account regardless of whether you have notified us of such unauthorized use. You understand and agree that we may require you to provide information that may be used to confirm your identity and help ensure the security of your account.

  5. All material, information or other communication you submit, transmit, upload or post to this Site including any reviews, photographs, videos, ideas, comments, suggestions, feedback, data, images, sounds, text or the like (“Feedback”) will be considered non-confidential and free of any claims of proprietary or personal rights. Except with respect to personally identifiable information, which we will collect, use and disclose in accordance with our Privacy Policy, Credit Corp will have no obligations with respect to the Feedback. You hereby assign to Credit Corp all intellectual property rights, and waive any moral, publicity or similar rights you have in any Feedback. By submitting the Feedback to Credit Corp, you agree such Feedback and all rights therein will be our property, free and clear of any claims by you or others, and we will be able to use them, in identifiable or de-identifiable form, for any purpose, including advertising and promotion, without compensation or any other obligations to anyone, including you. Without limitation, Credit Corp and its designees will be free to copy, disclose, distribute, incorporate, publicly display, publicly perform, modify, create derivative works of, commercialize and otherwise use Feedback for any and all commercial or noncommercial purposes anywhere in the world.

  6. Credit Corp assumes no responsibility for the security of the Site or your communications with the Site. It is strictly prohibited to link other sites with the Site without Credit Corp’s prior written permission. We may permit some links for convenience, but Credit Corp has no responsibility for the unaffiliated websites or online services to which it is linked or for material posted to the Site by anyone other than Credit Corp. Any access to and use of third-party websites or online services is not governed by our Privacy Policy or these Terms but is instead governed by the privacy policies and terms of use of those third-party websites or online services, and we are not responsible for the information practices of such third-party websites or online services.

  7. It is strictly prohibited to use or contact the Site to disrupt or damage the Site, its Contents or to harass or disparage Credit Corp or its clients or their respective products or services or personnel. No unsolicited email (spam) may be directed to or through the Site. Additionally, you are prohibited from violating or attempting to violate the security of the Site, including, without limitation, by (a) accessing data not intended for such user or logging onto a server or an account which the user is not authorized to access; (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; (c) accessing or using the Site or any portion thereof without authorization; or (d) introducing any viruses, Trojan horses, worms, logic bombs or other material which is malicious or technologically harmful.

    You agree not to use the Site:
    • In any way that violates any applicable federal, state, local or international law or regulation;
    • To engage in any conduct that restricts or inhibits anyone’s use or enjoyment of the Site, or which, as determined by us, may harm us or users of the Site or expose them to liability;
    • Use the Site in any manner that could disable, overburden, damage, or impair the Site or interfere with any other party’s use of the Site;
    • Use any robot, spider or other automatic device, process or means to access the Site for any purpose, including monitoring or copying any of the materials on the Site;
    • Use any manual process to monitor or copy any of the materials on the Site or for any other unauthorized purpose without our prior written consent;
    • Use any device, software or routine that interferes with the proper working of the Site; or
    • Otherwise attempt to interfere with the proper working of the Site.

  8. WE DO NOT WARRANT THAT ACCESS TO OR USE OF THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT DEFECTS IN THE SITE WILL BE CORRECTED. THE SITE IF OFFERED AS IS AND AS AVAILABLE WITHOUT WARRANTIES OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, CREDIT CORP MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED AS TO THE OPERATION OF THE SITE OR THE INFORMATION, CONTENT OR MATERIALS INCLUDED ON THE SITE, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A SPECIFIC PURPOSE AS WELL AS TITLE OR NON-INFRINGEMENT. We are not responsible for timeliness, accuracy, unavailability or interruptions in availability, viruses or other defects in the Site or its Contents. In no event shall Credit Corp be responsible for any damages to users or their computer systems or otherwise, even if Credit Corp has been informed of the possibility of such damages and without regard to negligence.
  9. EXCEPT TO THE EXTENT PROHIBITED BY APPLICABLE LAW, IN NO EVENT WILL CREDIT CORP OR ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR OTHER REPRESENTATIVES BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL LOSSES OR DAMAGES OF WHATSOEVER KIND ARISING OUT OF ACCESS TO OR USE OF THE SITE, SITE-RELATED SERVICES OR ANY INFORMATION, CONTENT OR MATERIALS INCLUDED ON THE SITE.

    YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE, CONTENT, INFORMATION CONTAINED WITHIN THE SITE, ANY LINKED SITE, OR ANY SERVICES ACCESSED OR USED THROUGH THE SITE IS TO STOP USING THE SITE AND/OR THOSE SERVICES. TO THE EXTENT ANY ASPECTS OF THE FOREGOING LIMITATIONS OF LIABILITY ARE NOT ENFORCEABLE, OUR MAXIMUM LIABILITY TO YOU WITH RESPECT TO YOUR USE OF THIS SITE AND ANY SERVICES ACCESSED OR USE BY YOU THROUGH THE SITE IS ONE HUNDRED DOLLARS ($100.00). THE FOREGOING LIMITATIONS APPLY EVEN IF THE REMEDIES UNDER THESE TERMS OF USE FAIL OF THEIR ESSENTIAL PURPOSE.

    Any claims arising in connection with your use of the Site or any services accessed or used through the Site must be brought within one (1) year of the date of the event giving rise to such action occurred.
  10. You agree to indemnify, defend and hold harmless us and our respective officers, directors, employees, agents and representatives from and against all losses, expenses, damages, and costs, including reasonable attorney fees, resulting from any violation by you of these Terms or from our termination of your access to or use of the Site. Such termination will not affect either party’s rights or obligations, which accrued before the termination.

  11. Arbitration. Any dispute, controversy, or claim between us arising out of or relating in any way to your use of the Site, your account or any payments you make to us for your outstanding debts will be resolved by binding arbitration, rather than in court, except that you or we (a) may elect to assert claims in, or transfer claims to, small claims court if your or our claims qualify, and (b) bring suit in any court of competent jurisdiction to enjoin infringement or other misuse of intellectual property rights, including with respect to temporary restraining orders. The Federal Arbitration Act and federal arbitration law shall apply to this arbitration agreement. There is no judge or jury in arbitration, and court review of an arbitration award is limited. However, an arbitrator can award the same damages and relief as a court (including injunctive and declaratory relief or statutory damages).

    At least thirty (30) days before beginning an arbitration proceeding, you must send an individualized letter personally signed by you, and identifying yourself by name and address, detailing your legal claims, the requested relief and requesting arbitration to 63 East 11400 South 408, Sandy, UT 84070 by certified mail, Federal Express, UPS or USPS express mail (signature required). We will do the same; except in the event that we do not have a physical address on file for you, by electronic mail to the last known address. Within thirty (30) days of such notice, either party may respond to the letter with a request for an informal dispute resolution conference between the parties by video, with counsel present if the party is represented, and the parties agree to so conduct such conference personally and individually in good faith before initiating arbitration. All applicable claims or filing limitations period shall be tolled during the pendency of this pre-arbitration notice period. The arbitration will be conducted by JAMS under its applicable rules unless otherwise stated herein. If JAMS is not available to arbitrate, the parties will select an alternative arbitral forum. You and we also agree to delegate the issue of arbitrability to a court of competent jurisdiction, rather than to the arbitrator.

    If you are a prevailing party, you may seek reimbursement of your fees and costs. However, we may seek our attorney’s fees and costs if the arbitrator finds your claims to be frivolous or brought for an improper purpose or otherwise not satisfying Federal Rule of Civil Procedure 11. There will be only one arbitrator, not a panel.

    You and we also agree that, if more than one dispute arises against a party regarding the same or substantially similar issues filed by or with the assistance of the same law firm, group of law firms, or organizations, within a ninety (90) day period, our respective claim(s) will be arbitrated in a coordinated fashion such that JAMS (or if JAM is not available to arbitrate, another agreed upon arbitral forum) shall (a) administer the arbitration demands together; (b) appoint one arbitrator for the coordinated demands; and (c) issue one set of filing and administrative fees due per side, one procedural calendar, and one hearing (if any) in a place to be determined by the arbitrator. To the extent the parties disagree on the application of the provisions of this paragraph, the disagreeing party shall advise JAMS (or if JAM is not available to arbitrate, another agreed upon arbitral forum), and JAMS (or if JAM is not available to arbitrate, another agreed upon arbitral forum) shall appoint a sole standing arbitrator to determine the applicability of this paragraph and process. The Administrative Arbitrator’s fees shall be paid by us.  This arbitration agreement will survive termination of the agreement.

    Enforceability. If this arbitration agreement is invalidated in whole or in part, by either a court or by JAMS (or if JAM is not available to arbitrate, another agreed upon arbitral forum), then the entire arbitration agreement shall be null and void and either party may elect to proceed with the dispute in court. The parties agree that the exclusive jurisdiction in Section 13 shall govern the claim.

    Jury Trial and Small Claims Court. If for any reason a claim proceeds in court rather than in arbitration, we each waive any right to a jury trial. We also both agree that you or we may bring suit in any court of competent jurisdiction to enjoin infringement or other misuse of intellectual property rights, including with respect to temporary restraining orders.

    Class Action Waiver. Regardless of arbitrability, we each agree that any dispute resolution proceedings or lawsuits, whether in arbitration or in a court of law, will be conducted only on an individual basis and not in a class, or representative action. Therefore, you waive all rights to bring claims on behalf of a class of persons; however, you may still bring an individual claim for public injunctive relief and in small claims court. Nothing in this provision, however, should operate to prevent the parties from settling claims on a class-wide basis or otherwise coordinating claims filed in arbitration.

  12. This site is offered in the English language and is intended for use in the United States of America. If you require information in other languages about Credit Corp, please contact us at info@creditcorponline.com.

  13. Credit Corp’s headquarters are in Draper, UT. These Terms shall be governed by the laws of Utah without regard to any conflict of law principles. Further, you and we agree to the jurisdiction of a state or federal court in the State of Utah to resolve any dispute, claim, or controversy that relates to or arises in connection with these Terms (and any non-contractual disputes and/or claims relating to or arising in connection with it) and that is not subject to mandatory arbitration under Section 11 above.

  14. You represent and warrant that you shall comply with all laws and regulations that apply to your access and use of the Site and any Site-related services, including, but not limited to, any applicable national laws that prohibit the export or transmission of technical data or software to certain territories or jurisdictions.

  15. We reserve the right to seek all remedies available at law and in equity for violations of these Terms, including the right to remove your account and any contents generated by you on the Site, block your access to the Site, block IP addresses.

  16. If any provision of these Terms is held to be unenforceable, the remaining Terms shall remain in full force and effect, and the unenforceable provision shall be replaced by an enforceable provision that comes closest to the intention underlying the unenforceable provision.

  17. No waiver by us of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Our failure to insist upon or enforce strict performance of any provision of these Terms shall not be construed as a waiver of any right.

  18. Credit Corp reserves the right to revise and update these Terms at any time, effective on the date of posting to the Site of the new and amended Terms. The Last Updated date of these Terms is set forth at the top of this page. Changes will be posted to this page. We encourage you to return to this page frequently so that you are aware of our current Terms. Your continued use of the Site after the Last Updated date constitutes your acceptance of the amended Terms. The amended Terms supersede all previous versions.